Despicable and audacious service!

I wish to put on record that I am sickened and shocked that Capitec can plunder my account without any prior notice, leaving me with a ZERO balance on the 14th of the month. I purposefully set myself a very tight budget for December, depositing as much as I could into my fixed savings account. I had to have the deductions reversed and I GOT CHARGED FOR THE REVERSAL!!!!!!! Furthermore, on the 18th December I receive intimidating sms's threatening that I have no credit insurance on my loans!!!! My salary has not been paid as yet. I have NEVER been a single day late with any of my loan repayments to Capitec, but I'm now being treated like a ********. I will be changing to another bank when I return in the new year. Capitec is a f*cking disgrace!